Retirement plan

THE HERBERT H AND GRACE A DOW FOUNDATION RETIREMENT SAVINGS PLAN

Name: THE HERBERT H AND GRACE A DOW FOUNDATION - THE HERBERT H AND GRACE A DOW FOUNDATION RETIREMENT SAVINGS PLAN (2017) Form 5500
Creator: THE HERBERT H AND GRACE A DOW FOUNDATION
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, THE HERBERT H AND GRACE A DOW FOUNDATION RETIREMENT SAVINGS PLAN, THE HERBERT H AND GRACE A DOW FOUNDATION

THE HERBERT H AND GRACE A DOW FOUNDATIONEIN 38-1437485Plan #001PY 2017

1018 WEST MAIN STREET - MIDLAND, MI 48640989-631-3699hhdowfdn.orgLinkedIn11-50 employeesphilanthropy

Prospect flagsHigh feesLow fidelity bond

How to read this page

Total assets (EOY)

$3.4M

+11.9% from 2016

Total participants

+6.7% from 2016

Average account balance

$105,959

+1.4% from 2016

Annual return

21.08%

+12.56 pp from 2016

Benchmarks

See 2,508 peers

Peer group

Industry71 - Arts, Entertainment, and Recreation

Plan typeDefined contribution

Participants25-99

Cohort2,508 peers

Snapshot2017

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$7.03M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$117K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

139.5%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$394K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$9K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+13.66%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$2234

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

0 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Providers data not reported

Schedule C was not filed on this plan's most recent Form 5500, so no compensated service providers are available to display.

Plan features & details

Pension benefit codes2E2F2G2J3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

2 tripped

OpportunityHigh fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$558K

$17430 / participant

Other / not subdivided$558K100.0%

% of EOY assets

16.450%

all-in expense ratio

Categories reported

0 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

No opinion code on file for this filing.

Auditor firm: (not reported)
Auditor EIN: -
Audit fees: (not subdivided)
Opinion code: -

Metric

This plan

Peer set

Industry

Size

Avg account balance

$105,959

$46,877+126.0%

$122,354-13.4%

$70,126+51.1%

Participation rate

100.0%

58.2%+41.8pp

71.6%+28.4pp

69.5%+30.5pp

Annual return

21.08%

24.22%-3.1pp

30.28%-9.2pp

73.15%-52.1pp

Employer contribution / active EE

$3,500

$1,288+171.6%

$4,051-13.6%

$2,343+49.4%

Participant deferral / active EE

$4,803

$2,167+121.6%

$3,287+46.1%

$3,332+44.1%

Admin fee / account holder

$17,430

$3,324+424.4%

$5,479+218.1%

$4,645+275.2%

THE HERBERT H AND GRACE A DOW FOUNDATION RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

THE HERBERT H AND GRACE A DOW FOUNDATION RETIREMENT SAVINGS PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion